Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 11 companies across 2 categories.
Claim this profile. Work at Melio? Verify your work email to unlock the full buyer list.
Founded 2018 as a digital AP/AR replacement for paper-check B2B payments for US small businesses. Pivoted toward an embedded-finance distribution model — powering bill pay inside Intuit QuickBooks, Shopify, and other partners rather than relying solely on direct SMB acquisition. Added BNPL (Pay Over Time) and international payments to extend ARPU. Ended up as an acquired entity, validating the embedded B2B-payments thesis.
Other Spend / AP providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
An embeddable badge for Melio’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.
<a href="https://www.embeddedfinanceindex.com/vendors/melio?ref=badge">
<img src="https://www.embeddedfinanceindex.com/api/badge/melio.svg"
alt="Ranked #7 of 74 in Spend / AP — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/melio/install" width="1" height="1" alt="" style="display:none">11 companies are linked to Melio in the Embedded Finance Index 2026, through their own public disclosures or Melio's published customer list, including CPA Business Advisors, Amazon, Xero, Shopify Ghana, CashFlow Central, Shopify, Thaxton & Associates, Patriot Welding Supply, Shifl, Accounting Solutions and 1 other.
Melio is an embedded-finance provider in Spend / AP and PSP. It ranks #7 of 74 Spend / AP providers by linked companies.
The most-named Spend / AP alternatives to Melio are BILL (40 buyers), Brex (38 buyers), Ramp (27 buyers), Tipalti (19 buyers), Pleo (14 buyers) and findity (11 buyers).
Melio was founded by Matan Bar and Ilan Atias and is founded in 2018, headquartered in New York, NY (with presence in Israel).
Melio has raised $506M+ (pre-acquisition) in total.
Get a read on where your own stack stands against Melio and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.